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What is insurance for Tradies and Contractors?

As a tradie, you may be called to work on projects of all different types. However, no matter the task your job centres around three essentials: your workmanship, your tools, and your vehicle. If you work for yourself, it’s important that you take the time to protect your business from unexpected costs, such as legal claims against you for injury or property damage, and loss, theft or accidental damage of business assets, such as your tools and equipment.

Tradies and contractors face a variety of risks and hazards - from stolen tools and equipment, to property damage, and third party injury onsite. Getting the right cover can help protect your business if things go wrong.

Whether you’re an electrician, plumber, carpenter, tiler or handyman, understanding and finding the right insurance can be confusing. Read on to learn about Allianz insurance covers that could help protect your business.


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Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase.

Pay by the Month at no extra charge*1

Pay monthly or annually at no extra charge to suit you and your cash flow.

Specialist Business Experts

Our experts can give general advice and help to arrange your business insurance. Call 1300 131 000 to talk to a business specialist.

Excellence in Claims

We're here when you need to make a claim.

24/7 claims service. Call 13 10 13.

Allianz was awarded the 2019 Mansfield Gold award for Overall Excellence in Claims.

Tradies and Contractors Insurance Covers:

Public Liability Insurance

Allianz Public Liability Insurance, also known as Public and Products Liability Insurance, covers you if a member of the public is injured, or their property damaged, at your business premises or while using your products or services. It covers compensation you are legally liable to pay plus your reasonable legal fees.

Whether you’re on the job, or dealing with clients and suppliers, there’s always a risk that accidents may happen in connection to your work, such as a customer tripping over your tools and cables and getting injured.

Public Liability Insurance is automatically included in a Business Insurance Pack policy when you quote online. For help with your quote, or to get a Business Insurance Pack quote without Public Liability cover, please contact our specialist small business team on 1300 131 000.

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Commercial Vehicle Insurance4

As a tradie, your car, van or ute is likely to be one of the most expensive things you use in your business, so it’s important to protect it.


Allianz Comprehensive Commercial Vehicle insurance can protect your vehicle in the event of accidental damage or theft, and cover your legal liability for damage to third party property caused by your vehicle.

Choose from 3 types of cover: Comprehensive, Fire and Theft or Third Party Property Damage only.

Helpful Tip: Do you use your personal vehicle for business purposes? Your personal car insurance may not cover you if a loss occurs while using your car in connection with your business such as driving to sites or client meetings to conduct your work. Check your personal car policy to see if you are covered.

Call Allianz to cover up to 20 vehicles by calling 1300 131 000, or buy online and add up to 2 vehicles, when you buy your Public and Products Liability insurance with a Business Insurance Pack.

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General Property Insurance

Allianz General Property insurance covers the cost of repairing or replacing your tools and portable equipment if they are accidentally damaged or stolen from a secure location, anywhere in the world (unless otherwise notes on your policy schedule). This include equipment damaged while at a client’s home, a worksite, from your home or commercial building, or even those taken home by your employees.

Your drills, saws, tile cutters, tools and equipment are essential to your success on the job. If any of these are stolen or accidentally damaged this could not only leave you out of pocket, but also facing the cost of temporary rentals or replacements to complete your work.

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Get your cover in one place with our Business Insurance Pack

Our packs start with Public Liability, then you can customise your policy to suit your business.

Public Liability

Public Liability Insurance helps to protect you if you become legally liable to pay compensation for injury to third parties, or damage to their property, during the course of your work. Plus, covers your reasonable legal costs to defend a claim raised against you.

Additional Covers

General Property

Covers the cost of repairing or replacing your tools of trade or equipment in the event they are accidentally damaged at any location worldwide (unless otherwise noted).

Commercial Vehicle

Comprehensive Commercial Vehicle Insurance covers accidental damage or theft of your business vehicles, and damage they may cause to third party property.

Commercial Property

Cover for accidental damage to your commercial property, contents or stock insured as a result of insured events, such as a storm, fire or vandalism.

Business Interruption

Covers your lost income, profit or turnover if your business has to close as a result of unforeseen defined insured events, like storm or fire.

Available when you insure Commercial Property.

Machinery Breakdown

Covers the cost to repair or replace electrical or mechanical machinery if it suffers a breakdown at your premises. For example: refridgerators, air conditioners, boilers, workshop machinery, etc.

Theft

Cover for loss caused by theft of property insured from your store, such as your stock or equipment.

Money

Covers the replacement of cash stolen from your business premises during business hours, or outside business hours, while locked in a safe or strongroom, in transit or in custody at a private residence.

This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website

Workers Compensation

If your business has employees, Workers Compensation insurance is mandatory in all Australian States and Territories. Workers Compensation insurance can cover your employees if they are involved in a workplace accident. Allianz will work to support your business through the claims management process.

Please note that Workers Compensation insurance is not available under the Business Insurance Pack and will need to be purchased as an additional policy.


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Before you buy

Considerations for Tradies and Contractors:

  • If you’re working as a contractor, your contract may state the minimum amount of Public and Product Liability insurance you’re required to have – check what is required before you purchase cover.
  • Building subcontractors may not be covered under a general workers compensation insurance policy held by the person they are working for. In addition a subcontractor’s work may not be covered for liability by the primary contractor. Check whether you’re protected, and consider taking action to cover any insurance gaps.
More cover options

Can’t find the cover that you need online? We have an extended range of insurance covers available through our team of specialists. We're open 8:00am - 7:30pm Monday-Friday AEST


   1300 131 000

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FAQs

Typically tradies and contractors face a variety of risks and hazards - from stolen tools and equipment, property damage, third party injury onsite as well as driving accidents involving their vehicle. Getting the right cover can help protect your business from financial loss if things go wrong. One of our most popular covers for Tradies is Public liability insurance, and in many cases tradies are contractually required to have public liability insurance before being allowed onsite. Public and product liability insurance is also a legal requirement in some states, so it is important to consider your own business obligations.

Our most common types of cover tradies insure for are Public Liability; which covers third party accidental injury and legal claims against you and your business, Tools & Equipment; insuring for tools of your trade, and Commercial Vehicle. Allianz offers insurance for Tradies & Contractors as part of the Business Insurance Pack which lets you combine various cover types under one-easy-to-manage policy. For example you could choose Public Liability (as base cover), and add optional cover for your tools & equipment and/or Commercial Motor Insurance to your Business Insurance Pack policy.

If your business has employees, Workers Compensation insurance is mandatory in all Australian States and Territories, It is not covered as part of the Business Insurance Pack; however Allianz offers separate Workers Compensation insurance. To learn more visit: https://www.allianz.com.au/business/workers-compensation.

The cost of our Tradie insurance depends on a number of factors, including the type of covers you select, the amount of cover you select (the Sum Insured and/or Limit of Indemnity), specific inclusions and your business activity and trade. If you are working as a contractor, you may be required to have minimum amount of public liability cover - Please check before you purchase. Start an online quote now or call our dedicated small business team on 1300 131 000 for more information.